Please Give me some pros and cons. I'm really struggling with this.

Nanny cons: will cost more, less socialization, less structure
Nanny pros: in our home so no packing lunches, no pickup/drop off, less germs, lots of one on one time, newborn can stay home, less stress??

Daycare cons: still expensive for two kids, DD1 apparently doesn't talk very much and we aren't sure how much they are paying attention to her, drop off/pickup is a pain, have to pack lunches because of food allergies

Daycare pros: Lots of lessons and art and things for her to do daily, lots of little kids/socialization, much more structured days

What would you do?